Love is blind, or so it’s said, but when it comes to long-term relationships, there are some differences you can’t hide from forever. This is especially true when it comes to your financial compatibility. A multitude of studies have suggested that the No. 1 source of stress in many relationships is disagreement over money-related issues. Sometimes these disagreements can even lead to divorce for married couples.

While no one can see the future, it’s a good idea to plan for it, and one of the best ways to do so is by considering how compatible you and your partner are financially. This will not only secure your financial future, but it’ll save you from experiencing potential heartache and financial trouble down the line. Below are some financial compatibility considerations to evaluate.

Why Couples Should Talk About Finances

By no means should love boil down to how much money you or your spouse make. At the same time, love that is completely blind to financial considerations may be doomed to fail. Regardless of whether or not a couple shares their finances with each other, they do usually share expenses—things like rent or mortgage payments, utilities and food costs are often a joint effort. Thus, couples often rely on each other financially and it is in their best interest to be on the same page. Just like you shouldn’t run a company without having an idea of how much you’re spending to make a profit, you shouldn’t be in a serious relationship without knowing how, collectively, your finances are affected by your current obligations. Factors such as your partner’s credit scores, any debt they may be carrying and their income affect you.

Something else couples should talk about is financial goals, as you’ll want to know if you are both working toward a common goal. For example, if you are carrying credit card debt, it’s best to discuss the options to pay off that debt and set goals for repayment, or if you plan to own a house one day, that is likely something your husband or wife should know about, as it’s a financial goal (not to mention lifestyle) that will impact them greatly. Even if the goals are not ones that can be achieved in a short amount of time, they are worth talking about, as they may help you and your spouse see if you share common goals, a sign that you may be financially compatible.

When Should Couples Talk About Financial Compatibility?

There’s no set time for you to talk about these things; however, if you see your partner as "the one," then you’ll want to make sure they’re the one on every level, especially when it comes to your financial compatibility. Although you don’t need to rush into talking about finances immediately—we suggest bringing it up earlier rather than later—you don't want to wait until you're five years into your marriage before you find out you have no financial direction or goals, or that you're working against each other's dreams.

Is Your Spouse Financially Transparent?

One of the most important things in a relationship is honesty, and that goes double when it comes to maintaining finances. Financially transparent partners should share with each other the key indicators of their net worth—at the very least their debt, credit health and income—so that you have a good idea of their existing financial obligations and what kind of contributions they might be able to make toward the family budget.

Different types of debt affect people’s lives in different ways, so knowing whether your partner has student loans, credit card debt or something else altogether is vital. This information is important because you’ll use it to plan out shared expenses like housing and childcare, as well as determine the types of loans and credit you’ll qualify for down the road.

This isn’t a one-time conversation, though, because finances can change over time and both you and your spouse should be willing to give updates about changes in finances. Ideally, you should both schedule time for regular financial conversations—for example, once every month—where you check in with each other and plan out your shared financial plans and goals. Having these check-ins will also likely make your tax season much easier, as you’ll be able to claim more deductions by being aware of each other’s finances. Even if you file separately, financial transparency requires you to know your own financial health, which will still be useful for you.

Are Your Own Finances in Order?

While serious relationships, especially marriages, usually result in a sharing of some financial decisions, there may still be areas where your finances remain independent. For example, your credit scores are something you’ll both have to work on alone, as you will each have a separate credit history. The main thing to take into consideration is if your spouse can manage their half of the relationship by staying on top of their own financial obligations. Does your husband or wife demonstrate control in maintaining their credit, saving for retirement on their own and putting aside some money in a savings account? If both of you can handle your respective finances well, then when it comes to the big things—like putting your child through school or purchasing a home—you’ll do fine working together.

Michael Osakwe is a NextAdvisor.com writer covering web hosting, video conferencing and voice technologies, as well as a multitude of personal finance topics. His writing has been featured on The Huffington Post, The Grindstone and various small, personal blogs across the web. He is a graduate of the University of California, Berkeley with a BA in Political Economy and a minor in Public Policy. You can follow him on Twitter and view the original article and many more.

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1 Million Couples Can't Be Wrong
Over 1 million couples turn to Hitched for expert marital advice every year. Sign up now for our newsletter & get exclusive weekly content that will entertain, educate and inspire your marriage.